Compliance Manager (Deposits)

United Bank; Charlotte (NC); On-site; USD 90,000 - 130,000; Full time

Job summary

United Bank is seeking a senior professional to oversee deposit compliance across business areas, interpreting regulations and guiding risk-based decisions. You will identify and remediate issues, strengthen controls, and align practices with policy standards.

The role includes leading a team, delivering training, coordinating risk assessments, and reporting on trends and remediation progress to Compliance leadership.

Qualifications

• Bachelor's degree required in a related field.
• 5+ years of banking compliance or regulatory risk experience.
• CRCM certification preferred or progress toward certification.
• Knowledge of federal and state deposit regulations and examination expectations.
• Experience leading people, projects or compliance activities.

Responsibilities

• Monitor regulatory developments affecting deposit products and operations and advise leaders.
• Manage compliance oversight for deposit products, services and operations.
• Develop risk assessments, evaluate risk, and recommend mitigations.
• Plan and execute risk-based monitoring, testing and issue management.
• Provide practical regulatory guidance and training to staff.
• Prepare reports and dashboards highlighting trends, exceptions and action status.
• Collaborate with business areas to ensure compliant product and process changes.
• Lead and develop a high-performing, inclusive team; manage employee lifecycle.

Skills

Regulatory compliance

Risk assessment

Policy interpretation

Communication

Leadership

Project management

Regulatory reporting

Education

Bachelor's degree

Job description

Job Description

Responsible for managing and executing deposit compliance oversight activities across assigned business areas. Provides regulatory interpretation, risk-based guidance and effective challenge to promote compliance with applicable laws, regulations, regulatory guidance and Bank policies. Works to identify compliance risks, strengthen controls, support business initiatives, and ensure timely remediation of identified issues.

Responsible for managing and executing deposit compliance oversight activities across assigned business areas. Provides regulatory interpretation, risk-based guidance and effective challenge to promote compliance with applicable laws, regulations, regulatory guidance and Bank policies. Works to identify compliance risks, strengthen controls, support business initiatives, and ensure timely remediation of identified issues.

Responsibilities

• Monitor regulatory developments affecting deposit products, services and operations. Interpret applicable requirements and communicate meaningful impacts, responsibilities and recommended actions to business partners and Compliance leadership.
• Manage compliance oversight for assigned deposit products, services and operations, including applicable consumer‑protection, funds‑availability, electronic‑transactions, privacy, deposit‑insurance, fair‑lending‑adjacent, UDAAP/UDAP, ACH and other related regulations.
• Develop, coordinate and complete risk assessments for assigned deposit compliance areas. Evaluate inherent risk, control design and operating effectiveness, document residual risk, and recommend appropriate risk mitigation.
• Establish and execute risk‑based compliance monitoring and testing activities. Review transactions, customer communications, disclosures, procedures and operational practices; identify exceptions; document findings; and communicate results to appropriate stakeholders and Compliance leadership.
• Serve as a subject‑matter resource for deposit compliance questions. Research regulatory requirements, evaluate business practices and provide practical guidance consistent with risk appetite and regulatory expectations.
• Prepare compliance reports, dashboards and management summaries that identify trends, emerging risks, significant exceptions, corrective‑action status and other program performance measures.
• Organize and deliver role‑specific compliance training. Develop clear training content and communications that translate regulatory requirements into practical employee actions.
• Partner with business areas on the development, implementation or modification of deposit products, services, systems, procedures and marketing materials. Identify compliance requirements, evaluate risks and confirm appropriate controls are incorporated before implementation.
• Serves as a people leader, managing the employee life cycle through recruiting, goal setting, performance management, coaching, development, engagement, and timely corrective action while fostering a high‑performing, accountable, and inclusive team environment.
• Other projects and duties as assigned.

Qualifications

• Bachelor's degree required.
• Five or more years of progressive banking compliance, consumer compliance, regulatory risk, audit or related financial‑services experience, preferably with deposit products and operations.
• At least two years of demonstrated experience leading people, projects or compliance activities.
• CRCM certification preferred, or demonstrated progress toward certification within an established timeframe.
• Knowledge of federal and state deposit regulations, consumer‑protection requirements and applicable examination expectations.
• Experience performing compliance risk assessments, monitoring, testing, issue management or control reviews.
• Ability to independently interpret regulatory requirements and translate them into practical business guidance.
• Ability to analyze information, identify trends, assess risk and recommend effective solutions.
• Strong written and verbal communication skills, including the ability to communicate effectively with both technical specialists and business leaders.
• Strong organizational skills with the ability to manage multiple priorities, meet deadlines and maintain thorough documentation.
• Ability to travel up to 20%, including occasional overnight travel, based on business needs.

Key Competencies

• Regulatory and risk‑based judgment
• Compliance monitoring and testing
• Problem solving and root‑cause analysis
• Planning, prioritization and execution
• Coaching and team development
• Collaboration and accountability

Essential Functions

• Sitting for extended periods of time.
• Ability to efficiently operate a computer keyboard, mouse and other computer components.
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to travel via air, rail, automobile and/or bus.

Company Profile

At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law.